Imagine a world in which consumers have control over their money and are connected directly to their payments mechanism of choice no matter where they are. In this world, shoppers pay anyone directly from their current/checking accounts, banks reclaim a direct relationship with consumers and retailers drive store spending. Payment stakeholders collectively benefit by driving out inefficiencies in the payments ecosystem, thereby reducing costs and protecting margins in the face of relentless change and regulation. Most importantly, consumers have the ultimate control over their money and are able to instantly access it to pay others, no matter where either party is on the globe. The world of real-time payments is becoming a reality and along with it, the enablement of cheap, quick, universal and secure electronic payments.